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You better have a real good reason why. I remember, when I got out of grad school, I had a hard time getting a job, and was overqualified for 95% of the jobs I was applying for. Times were tough, I had no income, but we tightened our belts rather than tap my 401k. At the time, I had about...

teehee

That means nothing.

Can't you do it between customers? First employee, huh? When you have employees, it's a different world entirely. Hopefully, you get good ones with common sense.

???

Are you using keywords to drive people to that site, using specialty fish names on the search engines yet? You could get a decent campaign going on google in a few hours. You could set it up between customers, on the slow days.

I see what you are saying, but I'm not getting sucked into paying thousands on those sites. New customers are pulling my phone number off of google adwords, billboards, the yellow pages and directly off of my TV spots. Old customers have us on their fridge (we send out refrigerator magents) or...

Remember, the previous owner of my business started five decades ago. I'm always going to have a baseline repeat/referral business. And I'm on billboard/radio/TV/internet/mailers. People bought pizza and fish before yelp. Don't downplay other ways to go to market, there are other ways...

But if you do screw up and somehow manage to not be able to pay the loan back, you might be facing tax penalties in the range of 50-60%, worst case scenario.

I ignore that crap. You build your reviews, than yelp tries to sell you services, if you deny, they remove some of your reviews. Google it. A lot of those services are horrible. Yelp, Angie's List, Service Magic, etc., all pretty much screw the businesses that advertise with them. Hell, if...

I don't think we are over saturated. We are on the 5am and 6am news only, on the lowest rated network in the area. We'll expand to 6pm and 10pm (with higher viewership), and then onto at least one other network. We benefit from being the only company in our industry on billboard, radio and...

Do you have a website yet?

Wow.

That was said a few pages back.

I think he's been careful enough, I don't see enough info here to figure out where he is.

And now the trick is to find ways to grow the business to where you are doing 1k a day. Because with your margins, if you aren't doing $500 a day, you don't need another employee. As I said before, if you are getting business off of CL, imagine what you'd get by having a focused Internet...

This thread got gay fast.

Those problems are fixed. My only gripe has been the fact that it's taken them a year to give us a new tier of armor. That, and replay tokens (to unlock raids) made 2012 a dull year for DCUO. There were guys in my guild who abused replay tokens and got a full set of t4 by raiding all day, in...

Sadly, I lament at the lack of future rape on this show. What does it say when they are doing a recap to start the show, and they show all of Tiberius' rape victims? I was LOL'ing at the recap yesterday.

It would be better to take the higher rate and fix your credit, rather than rob your retirement. When we got married, I looked at my wife's cc score, and we ended up paying 10% interest on her car, with me as a co-signer. Her score went from 538 to 720 in about two years. I could have...

From the trailer, it looks like it's Spartacus against a bunch of guys himself. They might go the 300 route and let him die with honor, while some of the women and children escape to the hills.

He's been released, but not before the officials engaged in all sorts of spin. Think Iraqi Information Officer. But the nail in the coffin was when the one official stated that Rush was a bully with absolute power, and that no one would go against him. That cut through all of the spin real...

I'd love to see Dexter get caught, and then go on the run. That would shake things up.

Title: Dexter Genre: Crime, Drama, Mystery First aired: 2006-10-01 Creator: James Manos, Jr. Cast: Michael C. Hall, Jennifer Carpenter, Geoff Pierson, David Zayas, James Remar, C.S. Lee, Aimee Garcia, Desmond Harrington Overview: Dexter Morgan, a blood spatter pattern analyst for...

I could care less about this DaVinci show. If we don't get some sort of alternate reality ending where the slaves win, I'm done with Starz.

Holy crap.

Is it really so bad to talk about something that's from the past, in the books? It doesn't matter to me, my best friend has read through the books many times. When I watch the show and don't understand something, I call him. How is it a spoiler if it's from earlier in the timeline?

Let me have a few drinks first.

Screw that. My busiest month is like 500% of my slowest month. And not having a help line is a joke. Thanks for the info so far, guys.

The only reason I'm reading Age of Ultron is that it's the big crossover right now. But, like you said, "it's a really tired plot scenario," and I find it boring.

I'm about three hours away, and I thought about going, but I'm not up for a roadtrip right now.

Going only 70% of intensity is frustrating. I've done it for about four weeks now. But my joints are feeling much better.

ROFL, you had me there for a sec.

Random info from anonymous posters aside, Mkopec can do a google search on this subject and find that the overwhelming majority of advisors state that, in general, borrowing from your 401k is not a good idea.

We are all reading your advice and wondering how you think it's sound. First off, claiming to be a Financial Advisor nets you nothing. We made fun of you guys in B-school. The saying was, if you can't get a job doing anything else, you can always be a Financial Advisor. Your job has nothing...

When you are terminated from a job with a loan from a 401k, you have bigger things to worry about. Namely, the loan is due in full. http://blogs.smartmoney.com/ask/2012...-was-laid-off/ You would know that, if you had a series 6 and 7 (as you claim).

Over the last few years, life has gotten crappy for a lot of people. Michigan's economy did suck. But now you have a chance to rebuild your credit.

Have him set you up in Quickbooks, and you'll only need him at the end of the year. QB will handle your bookkeeping and payroll. Hell, payroll only takes us ten minutes, and that's because we have employees living in two states (we are right on the border and do work in both states). It's...

Soy already answered it for me. yup

Never take a loan from your 401k. Figure out another way. Think of financial distress as being short term. Focus on your long term. Not only that, but that car loan at 11% is going to help rebuild your credit score. Pay cash for the car, and your credit score will still be in the dumps.